A new way to pay - Contactless

What are contactless payments?

How do I make contactless payments?

Are contactless payments safe?

Are contactless transactions secure?

Benefits

Visa contactless payment is the latest in secure technology. It will help you spend less time at the cash counter and give you the freedom to do the things that matter most to you.

It's easy and convenient

For transactions under ₹2,000, ‘just tap to pay’ using your contactless Visa card at a contactless payment machine and there's no need for a signature or PIN. Contactless Visa cards are accepted at India's leading merchants like Starbucks, McDonald’s, Big Bazaar and many more.

Safe and secure

Contactless Visa cards are as secure as any other Visa chip card. They carry the same multiple layers of security, which ensures that you are safe from fraudulent or unauthorised transactions.

Contactless Visa cards work when the card is within 4cm of the card reader and the contactless payment terminal can only process one transaction at a time. Because your contactless Visa cards doesn't leave your hand during the transaction, you remain in control of your card at all times.

Get contactless Visa card

Ask your bank for a contactless Visa card.

Place to use it

Now shop using a contactless Visa card at the below outlets.Just tap to pay.

No PIN/sign required for transactions below ₹2000

*Accepted in selected stores only. **Only in Mumbai.

Q + A

Want to know more? Click to expand any of the questions below for additional information about contactless Visa card.

There is no limit on the value of products a customer can purchase using the contactless Visa card. However, for a total bill value of ₹2000 or less, the customer can simply tap the card and complete the transaction (No PIN/signature is needed).

For a total bill value of ₹2000 or more, customer are required to enter PIN/signature as per RBI guidelines.

No, the terminal will prompt a message "Please insert card".

Charge slip is optional will be issued for all transactions below ₹2000. For transactions above ₹2000, a charge slip will be provided.

No, the cashier will have to put in the amount in the terminal to activate the reader before the card can be tapped. Also, the card must be held within 4 cms of the contactless reader.

No, the terminals are designed to make only one transaction per card at a time.

No. Either one of the two cards may be read depending on which card is closer and has a better antennae. The cashier can check which card has been charged by reading the last 4 digits of the card. However, one must always encourage the customer to tap only one card at a time.

The cashier will have to void the incorrect contactless transaction and proceed to a new transaction.

No. If the card reader senses more than 1 contactless card, it will ask to select any 1. The number of contactless cards sensed by the card reader depends on multiple factors. Customers should always take their contactless Visa card out of their wallet to tap & pay.

Get in touch with your financial institution to see if contactless Visa card is an option for you.

You can use contactless Visa card at any merchant displaying the contactless symbol on the terminal readers.

Your financial institution should disclose any applicable fees during the application process.

Visa contactless transactions are just as secure as magnetic stripe transactions and are processed through the same reliable payment network. And, because you remain in control of your payment device during Visa contactless transactions, the risk of fraud is reduced.

To authorise a payment, you must tap your card or Visa Micro Tag directly within 2.5 to 5 cm (1 to 2 in) of a secure reader that accepts Visa payWave payments. It also has to be correctly oriented for the transaction to go through. Only readers at authorised merchants can process the information on the Visa Micro Tag and contactless Visa card.

With Visa’s Zero Liability policy, you will not be held responsible for fraudulent charges or unauthorised purchases made with your contactless Visa card. This means you can use your card to shop with total confidence, as you will always be protected against unauthorised use.

The Visa Micro Tag is Visa’s first payment device designed exclusively for Visa contactless payments. It is far smaller than a traditional card - small enough to hang on your key ring. Shortwave radio technology is embedded inside a durable key fob, so that it’s even easier to get to your payment device.

No. Visa contactless is an added feature that financial institutions may offer to their Visa cardholders.

Visa contactless is a form of chip card technology. Like chip cards, it uses an advanced computer chip embedded in the card’s plastic to perform secure transactions.

First, make sure that the merchant accepts contactless Visa cards – you should see the contactless symbol on the payment terminal. If the merchant accepts contactless Visa cards and the transaction still fails, Visa card and Mini Card users can swipe to pay, since both of these devices have magnetic stripe functionality in addition to contactless payment.